Rural and Commercial Lending

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1 Rural and Commercial Lending 12 March 2014

2 Rural and Commercial Lending

3 Your business, our financing Tasmanian Perpetual Trustees provides mortgage finance for rural, commercial and business purposes. Our experienced staff will tailor a structured lending package to provide you with the funds you require to make a major purchase, improve existing assets, or to expand your business operations. At Tasmanian Perpetual Trustees we are able to make decisions locally, prepare documents and administer the loan locally - features which enable us to have a pragmatic and flexible approach to rural and commercial lending. Tasmanian Perpetual Trustees is a dynamic trustee and financial services Company with an enviable reputation of assisting Australians for more than 120 years. Our Lending Managers draw upon years of experience and knowledge and pride themselves on providing the highest quality of personal service. Improvements to our finance Why choose us? 3 You have direct access to our lending and administration team 3 All of our loan approval decisions are made locally 3 Our on-going loan administration is undertaken locally 3 Our finance is flexible to suit your business needs Our products are structured to suit you Interest only facilities that can last for generations Flexible loan redraw options Interest charged quarterly in arrears Fixed and variable interest rate options or a combination of the two Possibility of flexible or structured capital repayments We take pride in the fact that we have served business and individuals for more than 120 years and we look forward to helping you to make your goals a reality. In-house document preparation to improve turnaround time between acceptance and settlement Higher loan to valuation ratios Pre-approved standby facilities 1

4 Our guidelines Commercial Security Rural Security Residential Security First Priority Mortgage Loans Standard Maximum Loan to Value % Interest only up to 75% Principal and Interest up to 80% 65% Interest only up to 75% Principal and Interest up to 80% Insured Principal and Interest up to 95% Minimum Loan Amount $20,000 $20,000 $20,000 Maximum Loan Amount None None None Term On Demand On Demand On Demand Ongoing Service Fees None None None Interest Frequency Quarterly Quarterly Fortnightly to Quaterly Interest Only ongoing Capital Repayments Fixed Interest Rate options Variable Interest Rate options Split Loans Redraw Facilities Interest Calculation Daily on balance owing Daily on balance owing Daily on balance owing Establishment Fee Establishment Fee is generally with a minimum charge of $770 (inc. GST). The fee includes of the loan amount the cost to prepare the documentation. It does not include any costs or disbursements payable to other parties. Applications outside of these guidelines can be considered based upon the quality of the application and the security property involved. Generally a valuation is required from a registered Valuer from the Tasmanian Perpetual Trustees panel. We can arrange this for you through the application process. Documentation is completed by Tasmanian Perpetual Trustees or by the applicant s solicitor. Settlement is generally able to be effected within 24 hours of receiving correctly executed documents from the applicant. The above chart is intended as a guide only. Actual terms and conditions applying to a loan approved by Tasmanian Perpetual Trustees may be different to the guidelines shown above. 2 Rural and Commercial Lending

5 Our process Once we have received all of the necessary documentation to assess your application, our process is simple and usually follows the steps below: Application is assessed. If approved, a loan proposal letter will be sent outlining the details of the loan and any conditions. On the receipt of the acceptance of the proposal, we proceed with the documentation. Together both parties work towards satisfying the loan conditions. If we are unable to help. We will let you know quickly and give you an explanation for our decision. In the instance where a valuation is required, or other conditions need to be satisfied, we will endeavour to meet the conditions concurrently while preparing the documentation. Insurance, rates and land tax details will need to be supplied. The documents are signed and executed along with advice cetificates (you may choose to use a solicitor). The security title documents are provided to us at this point. We draw down the loan and deposit the funds to your requested destination. 3

6 Loan application requirements For a copy of our application form please call or speak to one of our Lending Managers. 1. Completed Loan Application Form which includes details of: Borrower, Mortgagor and Guarantor (where applicable); Properties to be used as security; Purpose of the loan (including costs etc, deposit & loan amount required); Background/other information about the applicants (experience etc); Taxation and other Statutory payments owing; Statement of personal financial position for each director/partner; and Declaration and Disclosure forms and Privacy Act Consent. 2. Financial Statements & Tax Returns Copy of three years business Profit & Loss and Balance Sheets; Copy of three years personal taxation returns for all partners; Cash flow budgets (in some instances); and Interim management accounts/financials (in some instances). 3. Corporate Structure Corporate family tree (where multiple entities are involved). 4. Valuations If valuations have been completed on the proposed security property we will require a copy; or Details of latest Government Valuation assessment; or Property identification number for each property. 5. Current Liability Schedule A list of all current liabilities including amount owing; credit limit (if applicable); interest rate(s); and monthly repayments including leasing and asset purchase contracts presently outstanding. 6. Trading & Loan Account Statements Copy of bank/loan statements for the borrower s trading account and any loans for the last six months (in some instances). Plus any other information which you consider would assist in assessment of the application. Loan applications are subject to our lending conditions and criteria. 4 Rural and Commercial Lending

7 Lending services Current and new client enquiries Managers North Phone: Mobile: South Phone: Mobile: North West Administration enquiries e.g. repayments and settlements Administration Staff North Phone: South Phone: Securities and Administration Phone: Phone: Mobile: Assistant Manager - North Phone: Mobile: Assistant Manager - South Phone: Mobile: Senior Manager Phil Kitto Phone: Mobile:

8 Tasmanian Perpetual Trustees Limited ABN AFS Licence Australian Credit Licence Number is a wholly owned subsidiary of MyState Limited ABN V TPTPOS003

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